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  1. I have been persistent about booking new cruises, hoping to get a good deal as they scramble to fill ships. But I see the restart is not at all going as smoothly as we might have thought. And where they once had flexible and "assurance" policies, the cruises we booked under those policies have all been canceled and new policies evolve monthly and increase the risk. I'm not afraid of covid, even dying of it on a ship. If it happens, it happens. But it seems quite risky to me to test 2 days prior to my cruise, having been vaccinated and with no symptons, and come up positive. What might be no worse than a common cold could cancel a $25,000 cruise with potentially no flexibility for rebooking. Or, I make it on the ship, only to be "exposed", again without symptoms, and be put to shore at the next stop. It is unclear if even trip cancellation insurance would cover those cases. I often sail without trip insurance, but with the uncertainty, I am looking to leave cruising behind for a while. [As an aside, my wife and I have also started eating "healthier", and I'm not even sure I want to pay a lot of money for food we shouldn't eat!]
  2. While the rest of the travel world is allowing cancellations without penalty, cruise lines are still trying to cling to what is becoming an outdated business model. I'm tired of putting money down for deposits, then having to guess whether their policy will be extended, and having to make a Go/No Go decision at final payment time. Frankly I'd like to see the cruise lines have the guts to implement a more permanent flexible policy--come into the post covid world instead of trying to hold onto how things have always been.
  3. through 2022 flights can be changed or canceled with no fees and full refund of miles. I've already rebooked several flights and gotten the difference in miles refunded--and a bonus for doing it online without calling.
  4. if Infinity were transferred to Pulmantur in the 2 Dec timeframe, I would assume it would need some kind of dry dock or port call, perhaps just for a week, to change the branding from X to Pulmantur? that would have to be done before the crew comes on board? just trying to think if the timeline is Dec to contact the crew, we might hear more official news prior to that... just speculating.
  5. I booked a flight with miles on Wednesday. then on Thursday the price went down. changed the booking and got the extra miles back, no fee. if you pay with $$, you get a flight credit, not a refund (I did that too just the other day and saved $38). some parts of Delta's website say international flights must be used in a year, but right now any flight credits are good through the end of 2022. I'm looking at flights to South America in February, and figure if the cruise is canceled, then I'll get a flight credit/redeposit miles and use that for an Aug 2022 trip to Europe.
  6. I tried to look at the full policy description, but couldn't find access to it on the website. other travel insurance sites will let you look at the details, and I dislike that you have to actually book it or at least submit your information before they let you read the fine print.
  7. I have not seen this kind of policy anywhere. Allianz is the only policy I've found so far that includes trip cancellation for an entire year. Most annual policies are medical with potentially car rental.
  8. AllTripsPremier allows selecting up to $15,000, but for me it says the benefit is per policy per year. AllTripsExecutive has a maximum of $10,000 trip cancellation, but shows the benefit as per insured per year. Could be state, or ages...
  9. Odd, choosing a different insurance package I see $10,000 per insured per year, bringing the total to $20,000 (a little better, now only a 33% loss on a $30k trip). only half the emvergency evac coverage though.
  10. When I check the annual Allianz plans, I see a maximum of $15,000 but is per year, not per trip or per person. Reimburses your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason. Preexisting Medical Condition Limit $15,000 Benefit is per policy, per year. All benefits are per insured unless otherwise noted. All benefits are per trip except for Trip Cancellation and Trip Interruption - which are per travel insurance plan. I do get playing the odds. On our upcoming trip we'd be insuring 50% of the trip cost if we had to cancel and were in the 100% penalty phase. then as you say other trips during the year are typically outside that cancellation window and could be changed without penalty.
  11. that's about what I had concluded, thanks for confirming it. I like the idea of an annual emergency medical policy, but that's typically included in the individual trip cancellation insurance too. of course, if you have both, then you run the risk of each arguing the other should cover any medical evac! my main concern at this point is covering medical evac and cancellation of the $30k cruise costs--that is just too high to not insure in some way.
  12. when I check annual plans for Allianz, it's mostly a medical evac policy, with only up to $10,000 cancellation coverage for the entire year. that doesn't even make it to half of a single Oceania longer cruise. maybe I'm missing additional options, or do you not insure full cruise amounts with the annual plan?
  13. when you save a trip on Oceania's website for later review, someone from Oceania will call you within a few hours. So I asked my guy these questions for the definitive answers: you can remove OLife up to 14 days before sailing and get a full refund (not subject to the % penalties) you can change from shore excursions to obc prior to 14 days before sailing if you cancel the cruise, OLife is not refunded as it's considered part of the cruise fare [so if you think you will cancel the cruise, remove OLife first, then cancel?!]
  14. I will assume for travel insurance that this is correct. However, I have been told from various TAs: You can add or remove OLife, even after final payment. You can switch from shore excursions to obc (I'd imagine that would have to be finalized before 14 days prior to sailing). OLife OBC is refundable. (but given the idea that OLife becomes part of the "fare" perhaps there is no refund unless you actually take the trip) I've seen none of this in writing and I tend not to fully believe everything until it's confirmed, either through personal experience or an official statement.
  15. what is OLife considered? it's not listed explicitly. is it considered other "optional" charges or like port fees included in the cruise fare and therefore not refundable? it's an Oceania thing mostly--can you cancel OLife sometime prior to embarkation and get a refund after having made final payment?
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